Why the amount matters. A parent admitted for a heart problem typically spends a day or two in intensive care and several more on a ward. At visitor rates that can pass $30,000 before a single doctor's bill. That's why we suggest more than the $100,000 minimum for parents over 70 or with heart conditions.
Quick answer
Super Visa insurance for parents visiting Toronto must give at least $100,000 of emergency coverage for health care, hospitalization and repatriation, valid one year from the date they enter Canada, from a Canadian or OSFI-authorized insurer. Prices don't depend on the city; on October 17, 2026, the same $100,000 policy for a 66-year-old ranged from $1,620.60 to $2,801.56 a year. Visitors aren't covered by provincial health care, so hospital bills in Toronto go straight to the family.
Local care
Where Your Parents Would Get Care in Toronto
- Scarborough Health Network Birchmount, Centenary and General sites, each with an emergency department.
- Michael Garron Hospital East York. Asks out-of-country patients to prepay.
- Sunnybrook Health Sciences Centre North Toronto. Asks non-OHIP patients for a $10,000 deposit at admission.
- UHN: Toronto General and Toronto Western Downtown. Uninsured patients pay estimated fees in advance for non-emergency care.
- North York General Hospital North York. Says no one is refused emergency care; visitors are still billed.
- Humber River Health 1235 Wilson Ave, north-west Toronto.
Life-threatening emergency: call 911. For anything else, call the insurer's assistance line first; many plans pay less if you don't.
Arriving
Whether your parents land at Pearson or Billy Bishop, the policy must start on the landing date. Keep the insurer's 24/7 number handy for the first week, when jet lag and new food cause more clinic visits than you'd expect.
Interactive tool
What Would a Hospital Stay Cost Without Insurance?
Rates from each hospital's published visitor fees, checked October 2026. Hospital charges only; doctors bill separately. Ambulance is $240 without OHIP.
Real prices
What Super Visa Insurance Costs in Toronto
The cheapest plan isn't always the right one: pre-existing condition rules and stability periods differ.
- Secure Travel (RIMI), StandardMonthly from $135.05 · first and last month + $120 setup fee$1,620.60/yrBuy directly
- 2 Visit Canada, StandardMonthly $138.43 · first and last month + $120 setup fee$1,661.12/yrBuy directly
- TruStone Health, Association PlanMonthly $141.00 · separate plan for stable pre-existing conditions$1,692.00/yrBuy directly
- MSH Discover CanadaMonthly $142.65 · first and last month + $90 setup fee$1,711.85/yrBuy directly
- Manulife, BasicPaid once · well-known Canadian insurer$1,806.75/yrBuy directly
- Secure Travel (RIMI), EnhancedHigher limits on follow-up care and prescriptions$1,843.25/yrBuy directly
Real quotes for a 66-year-old, $100,000, $0 deductible, no pre-existing condition cover, October 17, 2026. Prices are the same anywhere in the province for the same plan. Not a quote for your parent. See all 13 prices
Interactive tool
Do You Meet the Super Visa Income Requirement?
Count yourself, your spouse, dependent children, anyone else you sponsor, and the parents you're inviting. A guide, not an immigration decision.
Who we help in Toronto
Toronto Families Bringing Parents Home
Almost half of Toronto residents (46.6%) are immigrants, and 44.9% speak a non-official language at home. Pankaj explains plans in Hindi, Punjabi, Urdu and English.
Talk to Pankaj in your language
Areas we help: Scarborough, North York, Etobicoke, East York, Gerrard Street East, Thorncliffe Park, Flemingdon Park, Rexdale, Malvern, Downtown, Willowdale, York.
Our Mississauga office
205-5250 Solar Drive, Mississauga, ON L4W 0G4
Visits by appointment. Call or WhatsApp 647-640-2222 first.
Local know-how
Everyday Toronto for Visiting Parents
TTC senior fare
Riders 65+ pay $2.25 with PRESTO. Set it up in person with proof of age, and confirm a passport is accepted.
From the airport
UP Express runs from Pearson to Union in about 28 minutes. Billy Bishop has a free shuttle to Union.
Extending the stay
Biometrics for an extension are booked through Service Canada, by appointment.
Answers for Toronto families
Super Visa Insurance Toronto: Your Questions
What does a Toronto emergency visit cost a visitor?
Michael Garron charges $1,025 per visit, including the emergency doctor. Scarborough Health Network charges $794 plus tests. Ambulance is $240 without OHIP.
Is $100,000 of coverage enough in Toronto?
It's the IRCC minimum. At Scarborough's ICU rate it lasts about 13 days, before doctors' fees, so many families choose more for older parents or heart conditions.
Will a Toronto hospital ask my parent for a deposit?
Some do. Sunnybrook asks non-OHIP patients for $10,000 at admission, and UHN asks for estimated fees in advance for non-emergency care. Call the insurer early; many can guarantee payment.
Can I meet you in Toronto?
Our office is in Mississauga, near Pearson. Most Toronto clients use WhatsApp or phone; visits are by appointment.
What does Super Visa insurance cost?
Prices are the same across the province for the same plan. For a 66-year-old with $100,000 and no deductible, quotes on October 17, 2026 ranged from $1,620.60 to $2,801.56 a year, or from $135.05 a month.
Can I pay monthly?
Yes. IRCC accepts monthly plans once a deposit is paid, usually the first and last month plus a setup fee.
What if the visa is refused?
Most insurers refund the full premium if you send the refusal letter before the policy starts. We handle the request for you.
Written and reviewed by
Pankaj Bhatia, PFA, CHS
Pankaj is a licensed insurance advisor with offices in Mississauga and Cambridge, Ontario, and a member of Advocis. He helps families compare Super Visa and visitor plans from Canadian insurers and sorts out claims and refunds when plans change.
Editorial note: Insure In Canada is a licensed insurance brokerage, not an immigration consultant. This page is general information. The policy wording of the plan you buy decides what is covered and refunded.
Google reviews
What Our Clients Say
★★★★★“Mr. Pankaj Bhatia is very professional, knowledgeable and responsive. He helped me get the best Super Visa insurance, and his after-purchase service is amazing.”
★★★★★“Pankaj not only answered every single question that I had, he also educated me about potential risks and mistakes that people often make.”
★★★★★“Pankaj is never in a rush to sell the product and gives you time to think and ask relevant questions.”
Read our Google reviewsLeave a review
Insurance companies we compare
Get your parents covered from day one
Compare every Super Visa price for your Toronto family, then buy online or with Pankaj.